Tips for a Successful Year

The American Psychological Association (APA) says New Year’s resolutions can create anxiety if left unaccomplished. They recommend starting small and asking for support. The Better Business Bureau serving the Heart of Texas offers these tips to support consumers on their journey to a happier, healthier 2020:

  • Get fit with the right gym. There can be many benefits to working out at a public gym: classes, equipment, accountability and more.
    • 1. However, choose the place that’s right for you.
    • Know your fitness goals and set priorities so you can determine where to start. Always take a tour of facilities and read the contract closely to determine how much a membership costs each month. You can also check the gym’s business profile on bbb.org.
  • Watch for free trial scams. Like quitting smoking or losing weight, this can be a slow process.
    • You may even feel like you aren’t making much progress, so turning to “miracle” products may begin to seem like a good idea. Be careful when taking products for your health and should consult with your doctor first.
    • Second, products using big claims and celebrity endorsements may be attempting to lure you into a free trial scam. This is when a company claims it’ll send you a sample of its product for free, you just need to give your credit card information to pay shipping and handling. Later, you find a charge for the full cost of the product.
    • If this is the direction you decide to go when working on your new year, always read the terms and conditions carefully before placing your order and use your credit card for extra protection.
  • Care for your mental health, too. This extends beyond your physical health. Helpguide.org emphasizes the importance of social connection when caring for your mental health. Take time this year to connect with old friends and meet new ones too.

Improve or Delay

Continuous Improvement Is Better than Delayed Perfection – Mark Twain

It’s like climbing mountain, you have a choice. One long steady slope or a number of peaks to conquer along the way.

But by careful planning, you can follow the path of least resistance. And to achieve your goal looking ahead you can see the nearest peaks, valleys and paths to achieve the summit.

Good Financial Health

Good Financial Health

Definitions of financial health typically have three factors in common: (from Nerd Wallet.)

  • You can manage your day-to-day financial life
  • You can absorb a financial shock
  • You’re on track to meet your financial goals

How do you get there?
Continue reading